3761 Luke Ln, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 3761 Luke Ln, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,040 sqft · built 1996
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Nov 2021)
Tax Bill	$2,382 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`016-20-04-026.00`

Property Details

APN / Parcel Number

Primary APN	`016-20-04-026.00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,040 sqft Finished Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	79 ft deep x 34 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	3761 LUKE LN
City	ELSMERE
State	KY
Zip	41018-2706
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODLIN SEC 2 LOT 26
Legal Subdivision	WOODLIN
Legal Phase	2
Legal Lot Number	26
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	2
Census Block	2006
Census Tract	63607

Owner

Source: Kenton County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3761 LUKE LN, ELSMERE, KY 41018-2706
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND BANK
Nov 29, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage LEXINGTON-FAYETTE URBAN COUNTY GOV
Nov 29, 2021	Warranty Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP
Jul 5, 2017	Warranty Deed, Transfer · VA Mortgage FIFTH THIRD MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 29, 2021 · Amount on Record
Deed Sale	Nov 29, 2021 · Amount on Record
Prior Sale	Jul 5, 2017 · Amount on Record
Deed Document Number	20215900146
Deed Book / Page	133 / 580
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3761 LUKE LN, ELSMERE, KY 41018-2706
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900058
Date	Nov 1, 2021
Book Page	293/873
Instrument	21110105900058

Lender

Name	HEARTLAND BANK
Type	Bank
Address	COLUMBUS, OH 43213

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 1, 2022

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3761 LUKE LN, ELSMERE, KY 41018-2706
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3701 LUKE LN, ELSMERE, KY 41018-2706

Mortgage

Document Number	0005900148
Date	Nov 29, 2021
Book Page	307/546
Instrument	21112905900148

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2031

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 29, 2021
Property Address	3761 LUKE LN, ELSMERE, KY 41018-2706
Document Number	0005900146
Book / Page	133 / 580
Map Reference	MB 1694
Instrument Date	Nov 24, 2021
Instrument	21112905900146
Transaction Type	Transfer
Record Updated	Jan 5, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2965 HOLLY HILL DR, BURLINGTON, KY 41005-9488

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3761 LUKE LN, ELSMERE, KY 41018-2706

Mortgage

Document Number	0005900147
Date	Nov 29, 2021
Book Page	307/530
Instrument	21112905900147

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 5, 2017
Property Address	3761 LUKE LN, ELSMERE, KY 41018-2706
Document Number	0000000128
Book / Page	006193 / 000302
Instrument Date	Jun 30, 2017
Instrument	128
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount Recorded
Tax	$131.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3761 LUKE LN ELSMERE KY 410182706, ELSMERE, KY 41018-2706

Mortgage

Document Number	129
Date	Jul 5, 2017
Book Page	006193/000305
Instrument	129

Lender

Name	FIFTH THIRD MTG
Type	Mortgage Company
Address	CINCINNATI, OH 45227

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 4, 2047

Mortgage

Document Number	129,
Date	Jul 5, 2017
Book Page	0C6193/000305
Instrument	129

Lender

Name	FIFTH THIRD MTG
Type	Mortgage Company
Address	CINCINNATI, OH 45227

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 4, 2047

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Elsmere City
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$200,000 (-) Land $25,000 Building $175,000	$200,000 (-) Land $25,000 Building $175,000
2025	$2,382.00 (-5.92%)	$200,000 (-) Land $25,000 Building $175,000	$200,000 (-) Land $25,000 Building $175,000
2023	$2,532.00	$200,000 Land $25,000 Building $175,000	$200,000 Land $25,000 Building $175,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 19, 2015

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people · EPA ID KY0590220
Water Source	Surface water
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 301 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: altafiber Network Solutions, Verizon.

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